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Assessing your needs for optional accident benefit coverages

The profiles below are for illustrative purposes only, but they may help you in determining if you should purchase additional coverage.

Retiree

If you don't have collateral benefits, you may need to purchase optional benefits through your auto policy for medical and rehabilitation expenses over and above OHIP (Ontario Health Insurance Plan). Most retirees don't have dependants, so you would usually not need to purchase optional Dependant Care coverage. Finally, in most cases, you don't need optional coverages such as income replacement as you will still receive your pension.

Self-employed

If you don't have collateral benefits for coverages such as income replacement (short-term disability, long-term disability) or medical and rehabilitation expenses over and above OHIP, you may consider purchasing optional benefits through your auto policy.

Professional

If you have collateral benefits offered through your employer for coverages such as income replacement (STD, LTD), medical and rehabilitation expenses over and above OHIP, then you may not need to purchase optional benefits through your auto policy if the collateral benefits are sufficient.

Student

Check if you have access to collateral benefits through your parents for medical and rehabilitation expenses over and above OHIP. If you do, you may not need to purchase optional benefits through your auto policy if your parents' collateral benefits are sufficient. Also, most students do not have an income that would be eligible for higher than standard limits for income replacement so in most cases, there is no need to purchase additional income replacement coverage. Finally, most students do not have dependants, so you don't have to purchase optional Dependant Care coverage.

Learn more

Speak with an insurance agent for more information about Optional Accident Benefits coverage.

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